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how it works

You've got questions. We've got answers.

1. Choose What You Protect

You don’t have to pay for expensive coverage that protects every item you own, from your laptop to that coffee table you found on the sidewalk. With Traverse, you start by picking what you want to protect so that you only pay for what matters most to you.

Build an insurance bundle for yourself by selecting any combination of these categories:

  • Cell Phone: Get paid to repair or replace your phone when yours is misplaced, stolen, or even accidentally destroyed by you.
  • Personal Electronics: Coverage for everything from laptops to TVs to your gaming console.
  • Camera: Protection for your camera, lenses, and the rest of your kit.
  • Sporting Equipment: From skateboards to hockey sticks, sporting coverage keeps you in the game.
  • Musical Equipment: Protection for your instruments, whether you’re in a garage band or an orchestra.
  • Jewelry: Get ready to pop the question with protection for engagement rings or other special pieces.
  • Handbags: Coverage for your designer labels and favorite daily carry.

Protect what you own with up to $5000 of coverage towards new replacement.

Protect yourself with add-on coverage for life’s unexpected perils.

  • Liability Coverage: Up to $100,000 to cover your personal liability and additional coverage to pay for your defense if you get sued.
  • ID Fraud: Up to $25,000 to cover damages when your identity is stolen.
  • Experiences: Get $200 a day for up to three days when your vacation rental does not live up to expectations or your flight is cancelled.

If you’re not sure where to start, the Essentials Bundle gets you covered quickly and may satisfy your Landlord’s Renters Insurance requirements for just $10 a month.* It is important to check the terms of your lease to determine if Traverse will work for you. This includes:

  • Liability
  • Cell Phone
  • Personal Electronics

After that, you only pay a small monthly subscription to stay protected. Never pay a deductible, and cancel at any time.

2. Life Happens

City life is all about expecting the unexpected. When weather, people, or just plain bad luck affect your day, you shouldn’t have to worry about whether or not you’re covered.

You may live in New York, but Traverse covers your stuff no matter where you go—your coverage and price won’t change. Your stuff is covered for all the standard perils you might expect in a renters insurance policy, like bursting pipes, theft, or fire. But Traverse also has your back for lost items and accidental damage that many traditional policies won’t cover. Claims can be submitted digitally in as little as five minutes so that you can stop worrying and get back to living as quickly as possible.

3. Get Paid, Quickly

Whether you’re replacing a dropped cell phone or a lost handbag, you don’t want to have to wait long to replace an item that is valuable to you. Traverse claims are processed in as little as 48 hours and, if your claim is covered, money will be sent directly to your account to cover the full cost of repair or replacement.

No deductible. No sifting through junk mail. Just the coverage you want, at your fingertips.

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